Monui is a Frontier Foundry product. Virtova is the consulting channel for engagements; both entities share ownership. The public-facing launch is on the Frontier Foundry website in May 2026; early-access engagements run through Virtova in the interim.
The platform is built specifically for de novo trust banks operating under OCC supervision. The pain point Monui addresses is concrete: building the regulatory-filing function from scratch in a new charter, against FFIEC 041/051, without inheriting either the legacy general-ledger discipline of an established bank or the brittle spreadsheet workflows that most trust startups end up improvising. Monui ships with the regulatory schedules, validation logic, and audit-trail discipline already in place.
What it does
Monui automates the daily call-report cycle end-to-end:
Daily extraction. Workday Financials integration via SOAP and REST pulls the live general ledger; core-banking integration via a plugin architecture pulls position and transaction data. First-party core-banking support is for NetXD.
Reconciliation. Real-time variance detection between Workday GL and core banking, with configurable thresholds, runs against every data movement. GAAP sign conventions (debit-normal for assets and expenses, credit-normal for liabilities, equity, and revenue) are applied automatically.
Calculation. A three-layer mapping engine resolves general-ledger accounts to MDRM codes through Excel-based ledger mappings, schedule-to-MDRM resolution, and formula evaluation. FFIEC 041 and 051 schedules (RC, RI, RC-C, RC-D, RC-F, RC-R, HI) are supported with 1,076 MDRM codes for 051 filings.
Validation. Fifty-plus FFIEC validation rules (required-field checks, positive-value checks, calculation checks, range checks, and cross-schedule consistency) run before any filing is generated.
Filing generation. Output in three formats: XBRL instance documents for CDR upload, SDF, and iXBRL HTML viewable directly in a browser.
Forecasting. Quarterly financial forecasting with two methodologies (linear and historical growth) and automated alert detection on variance.
Audit and compliance posture
Monui is built for the regulatory audit cycle from day one rather than retrofitted around it. Every data ingestion operation is logged to an immutable audit trail with SHA-256 checksums and tamper detection. Retention policies meet the seven-plus-year banking compliance baseline. JWT authentication with RSA-256 secures service-to-service communication. CORS allowlists, secret management, and TLS 1.3 are baseline; PII handling includes automatic masking with secure-by-default error responses.
The platform’s audit posture connects to the broader thesis described in Cyber audit in the neural-net era: the next-generation audit layer will consume structured, machine-readable, immutably-logged evidence from operator-side systems. Monui produces that evidence as a first-class output of its regulatory workflow, not as a downstream export.
Architecture and operations
Monui ships as a microservice architecture: nine systemd services, PostgreSQL for data, Redis for caching and queues, MinIO for files, Prometheus and Grafana for monitoring, and an interactive Blueprint.js dashboard with seven tabs wired to real API data. Multi-tenant operation supports a bank selector for switching between live and demo environments. Air-gapped install is supported. Rust binaries are pre-built for Linux x86_64 and ARM64 and macOS Intel and Apple Silicon, with sub-50-millisecond service startup.
Engagement and access
Monui early-access engagements are run through Virtova as design-partner relationships in advance of the May 2026 Frontier Foundry public launch. Partners get the platform deployed against their actual Workday and core-banking environment, working sessions on the regulatory mapping calibrated to their charter, and direct input on the platform’s roadmap. The cohort is shaped around de novo trust banks at, near, or shortly after charter approval.
Most early-access conversations start with a 30-minute discovery call. Bring the charter status, the Workday and core-banking footprint, and the timeline to first regulatory filing; we will tell you whether Monui is a fit and what the design-partner engagement looks like.